It depends on what kind of mortgage you are doing. If it is a mortgage loan, the annual interest rate is usually around 6%. If it is a general loan, then each bank has its own interest rate. The specific situation requires specific consultation, which is usually higher than mortgage loans. If it is a credit loan, the interest rate will be slightly lower than that of a general loan. Interest = 200,000 annual interest rate 1.
Automobile mortgage interest rate
The interest in automobile mortgage is related to the loan amount, loan interest rate and loan term. The calculation method of loan interest is: loan interest = annual interest rate of loan principal and loan term. If the loan amount is 70,000 yuan, the loan period is 5 years, and the annual interest rate is 4.75%, the loan interest is 700,004.75% 5 =16625 yuan. The loan interest rates of lending institutions are all floating on the basis of the benchmark annual interest rate announced by the central bank. At present, the latest benchmark interest rate of the central bank is as follows:
1. Short-term commercial loan: within 1 year (inclusive), with an annual interest rate of 4.35%.
2. Medium and long-term commercial loans: 1 to 5 years (including 5 years), with an annual interest rate of 4.75%; For more than 5 years, the annual interest rate is 4.9%. Matters needing attention in automobile mortgage:
First, the automobile mortgage conditions
Basic conditions that the borrower must meet:
1, a citizen of China who has reached the age of 18, has full capacity for civil conduct and has a fixed residence in China.
2 have a stable professional and economic income, and can guarantee to repay the loan principal and interest on a regular basis.
3. Guarantee can be provided.
4. Other conditions stipulated by the bank.
Second, the information needed by automobile mortgage
1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.
2. Enterprises that have been living and working in this city for a long time.
3, motor vehicle registration certificate, driving license, purchase tax certificate (this), car purchase invoice.
4. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.
5, ID card (non-local account customers provide temporary residence permits or residence permits within the validity period.
First, the concept of mortgage interest rate
Automobile mortgage refers to the loan products that borrowers use their own or third-party vehicles (including cars, SUVs, trucks, etc.). ) as a mortgage for personal comprehensive consumption, it is repaid by mortgage. Automobile mortgage interest rate refers to the price that the borrower pays to the borrowed funds, and it is also the return that the lender gets in lending to the borrower. The interest rate in automobile mortgage is usually calculated as a percentage of one-year interest and principal.
Second, the way of automobile mortgage
At present, we can mainly handle real estate mortgage loans through banks, trusts and pawns.
Third, the interest rates of different automobile mortgage routes.
(1), bank loan
The borrower applies for mortgage loan in the bank with the purchased car as collateral or pledge. When applying for mortgage loans, banks must issue automobile sales contracts, automobile mortgage agreements, automobile mortgage contracts, etc. The annual interest rate starts at 6%.
(2) Trust loan
Trust automobile mortgage means that the trustee accepts the entrustment of the principal and makes a loan with the funds deposited by the principal according to the object, purpose, term, interest rate and amount specified by the principal (or in the trust plan), and the financier takes automobile mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18%.
(3) Pawn loan
Mortgaged real estate mortgage loan refers to the behavior that the pawnbroker mortgages his car to the pawnshop, pays a certain percentage of handling fee and interest, obtains the pawnbroker's interest and handling fee, and repays the pawnbroker's money and redeems the pawnbroker's goods within the agreed time limit. Interest and other comprehensive expenses add up to about 3% per month.
What's the mortgage interest rate?
1. What's the mortgage interest rate?
1. At present, the benchmark interest rate implemented by the bank is: the loan interest rate for less than one year (including one year) is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; More than five years is 4.90%.
2. At present, the benchmark interest rate of commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. According to the latest data from Bank Information Port, the average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.
3. The second suite is defined as the number of mortgage loans based on the borrower's family (including the borrower, spouse and minor children). Families who have used provident fund loans or commercial loans to buy houses and apply for mortgages again are regarded as second suites.
Second, the classification of loan interest rates
According to whether the interest rate level changes during the monetary fund lending relationship, the loan interest rate can be divided into fixed interest rate and floating interest rate. Floating interest rate refers to the interest rate that is adjusted accordingly with the change of price or other factors during the loan period. Lenders and borrowers can agree that the interest rate can be adjusted with the price or other market interest rates when signing the loan agreement. Floating interest rate can avoid some disadvantages of fixed interest rate, but the calculation basis is diverse and the procedures are complicated.
China's medium-and long-term savings deposit subsidy method is a form of floating interest rate system.
What's the annual interest on the mortgage?
Many users are consulting about mortgage loans. Among the many loan products of banks, you can apply for mortgage loans, with high loan amount and low loan interest rate. So many users will give priority to mortgage loans when they are short of money. How much is the annual interest on a 500,000 mortgage loan? Let's work out an account together and you will know!
How much is the annual interest on a 500,000 mortgage loan?
According to the official interest rate table of the six major banks, if the mortgage loan period applied by users is one year, the bank's minimum loan interest rate is the highest. Why the highest? Because the benchmark interest rate of the central bank's one-year loan is zero, most banks will rise by up to 24%.
If the user applies for a loan interest rate of 500,000 yuan, the annual interest will be 2 1.750 yuan according to the minimum standard. If calculated according to the highest standard, the annual interest is 23,500 yuan.
Of course, the above is only a theoretical calculation method. Each user's personal qualifications are different, and different bank and regional policies will affect the user's final loan interest rate. Mortgage loan repayment methods are also very diverse, including matching principal and interest, average capital, paying interest first, and then paying principal. Different repayment methods will lead to different loan interest rates.
What are the requirements for applying for a bank mortgage loan?
Users want to go to the bank to apply for a mortgage loan of 500,000 yuan. First, they need the lender to have a good personal credit report and a stable source of income. Secondly, it depends on what mortgage the lender applies for. If you apply for a personal housing mortgage loan, then the lender must have at least one personal housing worth more than 700,000 yuan.
If you apply for enterprise mortgage loan, you need to register and operate the company for more than one year, and the annual turnover should at least exceed 2 million yuan. In short, the lender needs to provide a certain amount of collateral as a guarantee for the loan, and the value of the collateral must exceed the amount of the loan application, preferably more than 50%, so that the possibility of applying for a loan will be greater.
The above is the related content sharing of "How much is the annual interest of 500,000 mortgage loans", hoping to help everyone!
What's the mortgage interest rate?
At present, the latest mortgage interest rate is: (quick calculation of 654.38+0 million yuan; The quick calculation result of average capital is the customer's repayment amount in the first month) 1 year -6.00%, with equal principal and interest of 860.66, floating 10%-6.6%, with equal principal and interest of 863.42, floating 15%-6.9%, with equal principal and interest of 860.68888888866 The matching principal and interest is 195. 19. Floating 10%-7.04%, with equal principal and interest of 198.20. Floating 15%-7.36, with equal principal and interest of 65438+ equal principal and interest of 1 13.80. Floating 10%-7.2 1%, with equal principal and interest of117. Floating 15%-7.5325, equal principal and interest.
Mortgage loans only have one year's interest.
According to the regulations of the central bank, the benchmark interest rate of the latest one-year loan from 2065438 to August 2005 is 5.25%. Banks will raise or lower the benchmark interest rate when calculating the loan interest rate. Now that interest rates are marketized, banks can generally go down 10% for high-quality customers and up 20% for bad customers, basically depending on the financial situation of loan customers. Mortgage is a high-quality loan welcomed by banks, so it is more likely to implement the benchmark interest rate. If you follow
The benchmark interest rate is 5.25%, so the annual loan interest is 200,000.
5.25%=
10500 yuan.
If it is a mortgage loan, the annual interest rate is usually around 6%.
3. If it is a general loan, then each bank has its own interest rate, and the specific situation requires specific consultation, which is generally higher than the mortgage interest rate.
If it is a credit loan, the interest rate will be slightly lower than that of a general loan. Interest = 200,000 annual interest rate 1.
If it is a commercial loan, the annual interest rate for one year is 5.56%.
If the loan is made at the benchmark interest rate of 5.25%, the annual loan interest is 200,000 5.25% =1.500 yuan.
If it is a mortgage loan, the annual interest rate is usually around 6%.
If it is a general loan, then each bank has its own interest rate. Specific information is usually higher than mortgage. 4. If it is a credit loan, the interest rate will be slightly lower than the general loan = 200,000 annual interest rate 15. If it is a commercial loan, the annual interest rate for one year is 5.56%, and there is no discount.